COMPARE CREDIT CARDS
See the differences that matter before you choose.
Diners Black Metal
Infinia Metal
KEY DIFFERENCES
High-impact divergences between both cards across fees, rewards, lounge access, and caps.
| Attribute | HDFCDiners Black Metal | HDFCInfinia Metal |
|---|---|---|
Annual FeeDifferent | ₹10,000+ 18% GST | ₹12,500+ 18% GST |
Annual Fee WaiverDifferent | Spend ₹8,00,000/year | Spend ₹10,00,000/year |
Top Reward RateDifferent | 5 RP/₹150 base (3.33%) cashbackCurrency: HDFC Bank Reward Points | 5 RP / ₹150Currency: HDFC Bank Reward Points |
Base EarningDifferent | 5 RP/₹150 base (3.33%) cashback | 5 RP / ₹150 |
Airport Lounge | Unlimited domestic and international lounge access | Unlimited domestic and international lounge access |
Forex Markup | Not recorded — check the issuer terms | Not recorded — check the issuer terms |
Fuel Surcharge | Not recorded — check the issuer terms | Not recorded — check the issuer terms |
Reward CapsDifferent | Insurance: max 5,000 RP/month | Insurance: max 10,000 RP/month |
REWARDS & EARNING
Understand how each card earns, the reward currency, and category-specific rates.
| Reward Spec | Diners Black Metal | Infinia Metal |
|---|---|---|
| Reward Currency | HDFC Bank Reward Points | HDFC Bank Reward Points |
| Base Earning | 5 RP/₹150 base (3.33%) cashbackOn standard retail transactions | 5 RP / ₹150On standard retail transactions |
| Accelerated / Online | 5 RP/₹150 base (3.33%) cashbackOn eligible merchant/online portals | 5 RP / ₹150On eligible merchant/online portals |
| Reward Valuation | 1 RP = ₹1.00 on SmartBuy flights/hotels | 1 RP = ₹1.00 on SmartBuy flights/hotels |
| Reward Caps | Insurance: max 5,000 RP/month | Insurance: max 10,000 RP/month |
FEES & FEE WAIVER
Compare mandatory joining fees, renewal charges, GST impact, and spend waiver conditions.
| Fee Structure | Diners Black Metal | Infinia Metal |
|---|---|---|
| Annual Renewal Fee | ₹10,000 | ₹12,500 |
| GST Treatment (18%) | + ₹1,800 (Total: ₹11,800) | + ₹2,250 (Total: ₹14,750) |
| Annual Spend for Fee Waiver | Spend ₹8,00,000/year | Spend ₹10,00,000/year |
| Waiver Verification Status | Documented in issuer schedule of charges | Documented in issuer schedule of charges |
BENEFITS & PERKS
Factual comparison of airport lounge access, forex markup, fuel waivers, and network.
| Benefit | Diners Black Metal | Infinia Metal |
|---|---|---|
| Domestic Airport Lounge | Unlimited domestic and international lounge access | Unlimited domestic and international lounge access |
| International Lounge | Unlimited domestic and international lounge access | Unlimited domestic and international lounge access |
| Foreign Currency Markup | Not recorded — check the issuer terms | Not recorded — check the issuer terms |
| Fuel Surcharge Waiver | Not recorded — check the issuer terms | Not recorded — check the issuer terms |
| Payment Network | Diners | Visa |
CAPS, EXCLUSIONS & GOTCHAS
The restrictions that determine how much value you actually realize.
| Restriction | Diners Black Metal | Infinia Metal |
|---|---|---|
| Reward Caps | Insurance: max 5,000 RP/month | Insurance: max 10,000 RP/month |
| Excluded Spend Categories |
|
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| Operational Gotchas | Fee waiver calculations generally exclude rent, fuel, and wallet loads. | Fee waiver calculations generally exclude rent, fuel, and wallet loads. |
WHAT REALLY DIFFERS
The core factual divergences to keep in mind when choosing between these two products.
- Annual fees differ: ₹10,000 (Spend ₹8,00,000/year) vs ₹12,500 (Spend ₹10,00,000/year).
- Reward caps differ: Diners Black Metal (Insurance: max 5,000 RP/month) vs Infinia Metal (Insurance: max 10,000 RP/month).
- Earning rates differ: Top rate is 5 RP/₹150 base (3.33%) cashback on Diners Black Metal vs 5 RP / ₹150 on Infinia Metal.
DHANCHAKSHU ANALYSIS
Balanced evaluation based on verified fees, reward structures, and spend profile fit.
Consider Diners Black Metal if:
- You prefer a lower annual fee commitment of ₹10,000 per year.
- You can comfortably meet its ₹8,00,000 annual spend threshold for fee waiver.
Consider Infinia Metal if:
- Your regular monthly spending strongly aligns with its primary earning categories.
Want to know which fits YOUR spending?
Generic comparisons compare card features. Enter your monthly budget into our Spending Analyzer to calculate your exact net reward and fee savings on both cards.
Analyze My Spending →DhanChakshu is an independent credit card research platform. Card recommendations and scores are 100% algorithmically generated based on verified V8 data and are never influenced by commercial relationships.
SOURCES & VERIFICATION
Card and reward rules were verified against official HDFC terms & conditions and Most Important Terms & Conditions (MITC) documents. Last checked: 2026-09-22.
Issuer terms can change. Always confirm the latest terms directly with the bank before applying.
View HDFC Official MITC →Card and reward rules were verified against official HDFC terms & conditions and Most Important Terms & Conditions (MITC) documents. Last checked: 2026-09-22.
Issuer terms can change. Always confirm the latest terms directly with the bank before applying.
View HDFC Official MITC →